Builds a 13-week cash flow forecast for a small business or startup from a CSV of receipts and payments - weekly, biweekly, monthly, quarterly and one-off items, invoices on net terms with customer lateness, probability-weighted deals - with a base and a stress case. Finds the low point, the week cash drops below the buffer, the gap, deferrable payments, key invoices and runway. Includes an offline stdlib Python forecaster with --self-test.
Builds fixed-rate loan and mortgage amortization schedules, shows how much of each payment goes to interest, and compares payoff strategies such as extra monthly payments, one-off lump sums, a higher fixed payment, or a shorter term, with interest saved, months saved, payoff date, and an APR estimate when fees apply. Use when a user asks "how much interest will I pay?", "should I overpay my mortgage?", "what if I pay 200 more a month?", or wants a payoff plan for a car, student, or home loan.
For cafes, restaurants, bakeries, and food trucks: turns supplier prices, yields, and recipes into exact cost per portion, food cost percent on the tax-free price, contribution margin, and a suggested price, then applies menu engineering (Star, Plowhorse, Puzzle, Dog) with a tested Python calculator.
Builds and reviews 5K to marathon running plans: a tested script checks weekly volume jumps, long run share and progression, hard and back-to-back days, rest and cutback weeks, peak timing, and taper, then the skill explains the risks in plain language and proposes a safer week-by-week plan.
Turns a list of meeting topics into a timed agenda with clock times, owners, and an outcome per item, checks it fits the slot with a buffer, flags late or rushed decisions, too many status updates, oversized items, and missing breaks, and writes the agenda to send. Includes a tested stdlib Python timeboxer with a fit mode.
